Individual Retiree

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Individual Retiree

Preparing for retirement can be overwhelming. At Ray Hodges Financial Group, we will provide you with tax-favored strategies that will maximize the retirement savings you can look forward to and prepare you for a retirement that is financially secure and carefree. We’ll guide you every step of the way toward the life you have envisioned.

You’ve worked hard all these years. You deserve to reward yourself now.

Kai-Zen Plan

A Kai-Zen plan has several benefits beyond significant contributions to your retirement savings.

In-Service Alternate Rollover

An In-Service Alternate Rollover (ISAR) is a legal way of rolling over all or a portion of your 401(k) funds.

Wealth Insurance

During the bear market from 2007 to 2009, the S&P 500 lost almost 50 percent of its value.

Retirement Accounts – Roth IRAs and Traditional IRAs

Traditional individual retirement accounts (IRAs) provide tax incentives.

Fixed Index Annuities

A fixed index annuity is a contract between you and an insurance carrier.

Long-Term Care

To qualify for Medicaid, most states require you to “spend down” your assets to $1,000 or $2,000.

Life Insurance

More than 35 percent of households would be in financial trouble within one month.